# 1. With delivery terms I walk no liability
Good delivery terms are very important because you are limited here indeed bring your liability. The easiest way is to take over the industry conditions. These are legally tested and registered and therefore safe to apply. Create your own terms anyway? Let it legally keys .But even if your conditions waterproof: you close it the liability not completely. There is always something can happen that you did not foresee. A small error in a calculation, a failure of a device or a customer sold by you to be sick after eating your product. Therefore, a business liability insurance almost essential for any entrepreneur.
# 2. I work from home, private insurance is enough
Unfortunately not. Insurers namely distinguish between business and private. Your assets are not automatically insured if you like your business from home runs. Damage by fire or theft can assure you, therefore, with business inventory and inventory insurance .
# 3. Disability? That does not happen to me!
Entrepreneurs are hard workers. All for the cause! So for a cold you do not stay at home and flu keep you in bed for days. Let's be honest: the short-term absenteeism among entrepreneurs is indeed lower than that of salaried people. But an accident or serious illness can happen to anyone. How long do you save it without income?View your overall financial picture once well: mortgage, fixed expenses, the rent of your premises ... Can you fall back on a financial buffer or the income of your spouse? Or extra supplements needed?
Disability insurance come in all shapes and sizes. What insurance is most appropriate depends on what you find important. The amount of the premium depends primarily on your profession, age and the level of income you want to insure. This incapacity tool Interpolis gives quick insight into your situation and possible solutions.
"A disability insurance yet never turns out is a counter argument that insurance advisers often hear. That is not true. The database shows that Interpolis is not honored on average, only three percent of the claims.
# 4. An insurance has my risk road
If only that were true. Fire insurance does not prevent fire: there are really necessary prevention measures. And of course it's good to have you if you're insured damage, but fire damage no one is waiting.With a business insurance you reduce the financial impact of an incident. But you knew that forty percent of companies go bankrupt after a fire because their customers go shopping during the recovery phase of the competition and not come back? Dealing with risks also means that you have to take responsibility to prevent damage.
# 5. If I tell a lower amount, I save money
The premium you pay is dependent on the value of the stuff you guarantees. The passing of a lower value seems a smart saving method. Nothing is less true. You are then in fact underinsured. Secure your inventory for example 5,000 euros instead of 10,000? And you have to damage to 2000 euro? Then you get paid only 1,000 euros. Honesty is also here the longest.# 6. Once completed, for all insured
That kite is not always true. Entrepreneurs are often so busy with business that they do not even stop to think that they occasionally strike a side road. Think of a consultant who conducts workshops or a plasterer which metselt a wall as quickly.However, not all insurance switch effortlessly along with it. Damage caused by or during the extra activities is uninsured! Ask how this is regulated by your insurer. This also applies to expand your inventory or stock. Do not have a guarantee on your insurance policy? Then you run the risk of underinsurance.
# 7. I would first start, ensure will come
"I need to find my niche as an entrepreneur, first have orders to see to win" is an often heard argument to delay taking out insurance.In itself a sensible starting point. You need to start your also not blindly conclude all kinds of insurance.
But if you decide not to insure, it is prudent to take steps to reduce the risks.
Some risks, such as liability or disability, are so large that you can not postpone those measures.